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Oklahoma SR-22 & High-Risk Auto Insurance

Oklahoma requires SR-22 filing for DUI convictions, suspensions, and uninsured accidents. The requirement typically lasts 3 years, with filing fees of $15–$35. High-risk drivers with violations pay $2,200–$4,500 annually for full coverage, compared to $1,400–$2,100 for clean records.

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Updated March 2026

State Requirements

Oklahoma requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Drivers convicted of DUI, driving without insurance, causing an uninsured accident with injuries, or accumulating too many points face SR-22 filing requirements that last 3 years. The state uses a point system where 10 points in 5 years triggers license suspension, and the Department of Public Safety monitors compliance through electronic filing. Drivers with violations pay substantially higher premiums than the state average, making carrier selection critical.

Cost Overview

High-risk drivers in Oklahoma pay $2,200–$4,500 annually for full coverage compared to $1,400–$2,100 for clean records, based on available industry data. DUI convictions trigger the largest increases at 80–150%, while speeding violations and at-fault accidents raise rates 20–40%. Rates vary significantly by carrier, violation type, age, and location, making multi-carrier comparison essential for this audience.

Minimum Liability
State-minimum liability coverage for high-risk drivers with one violation or at-fault accident. Does not include collision or comprehensive, leaving your vehicle unprotected.
Standard Liability
Increased liability limits of $100,000/$300,000 plus uninsured motorist coverage. Recommended for drivers with assets to protect or multiple household vehicles.
Full Coverage
Comprehensive and collision coverage added to liability. Required by lenders for financed vehicles. High-risk drivers with DUI or multiple violations fall at the upper end of this range.

What Affects Your Rate

  • Violation type: DUI increases rates 80–150%, while single speeding tickets raise premiums 15–25%
  • Points on record: 6 points typically doubles rates; 10 points triggers suspension in Oklahoma
  • SR-22 requirement: adds $15–$35 filing fee but signals serious violation, increasing premiums 40–100%
  • Urban location: Oklahoma City and Tulsa drivers pay 15–30% more than rural areas due to accident frequency
  • Age and gender: male drivers under 25 with violations pay the highest rates, often $400–$600 monthly for full coverage
  • Coverage history: lapses or cancellations in the past 3 years add 20–40% to premiums regardless of current violations

Compare Auto Insurance Rates in Oklahoma

Coverage Options

Find Your City in Oklahoma

Oklahoma City, Oklahoma cityscape and street view

Oklahoma City

urban
Tulsa, Oklahoma cityscape and street view

Tulsa

urban
Norman, Oklahoma cityscape and street view

Norman

suburban
Broken Arrow, Oklahoma cityscape and street view

Broken Arrow

suburban
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Lawton

urban
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Edmond

suburban
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Moore

suburban
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Midwest City

suburban

Frequently Asked Questions

Sources

  • Oklahoma Department of Public Safety — SR-22 Requirements and Duration
  • Oklahoma Insurance Department — Minimum Coverage Requirements
  • Insurance Research Council — Uninsured Motorists Study

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